CN113781033A - Account separating method and device - Google Patents

Abstract

The invention provides an account splitting method and device, which relate to the field of automatic program design, and the method comprises the following steps: acquiring mechanism account checking information and account splitting information; performing accounting splitting processing on the mechanism reconciliation information according to the accounting splitting information to obtain a plurality of accounting splitting results; and sending the account splitting result to the target clearing account. The invention utilizes the accounting splitting information to carry out accounting splitting processing on the mechanism account checking information, improves the accuracy of the accounting splitting and reduces the risk of repeated splitting or wrong splitting.

Description

Account separating method and device

Technical Field

The invention relates to the technical field of automatic program design, in particular to a billing method and a billing device.

Background

This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.

In some scenarios, a bank needs to perform transaction and fund clearing docking with an external organization by a unified front-end (for example, a lower internet clearing platform requires the bank to provide services such as unified front-end docking protocol payment, gateway payment, collection, deduction, barcode payment, and the like), while different services in the bank perform management and accounting management of related payment service modules, and in order to ensure that different service departments can clearly see fund flow and accounting conditions of each service line, a certain accounting process is often adopted. In the existing scheme, each business module product in a bank carries out respective fund splitting in a general ledger subjected to single-point butting, and the risk of repeated splitting or wrong splitting exists.

Disclosure of Invention

The invention provides an accounting method and device, which can improve the accuracy of account splitting and reduce the risk of repeated splitting or wrong splitting.

In a first aspect, an embodiment of the present invention provides an accounting method, where the method includes:

acquiring mechanism account checking information and account splitting information;

performing accounting splitting processing on the mechanism reconciliation information according to the accounting splitting information to obtain a plurality of accounting splitting results;

and sending the accounting splitting result to a target clearing account.

In a second aspect, an embodiment of the present invention further provides a billing apparatus, where the apparatus includes:

the acquisition module is used for acquiring the mechanism account checking information and the account splitting information;

the accounting splitting module is used for carrying out accounting splitting processing on the mechanism account checking information according to the accounting splitting information to obtain a plurality of accounting splitting results;

and the sending module is used for sending the accounting splitting result to a target clearing account.

In a third aspect, an embodiment of the present invention further provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the above-mentioned split method when executing the computer program.

In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above-mentioned accounting method is stored in the computer-readable storage medium.

The embodiment of the invention has the following beneficial effects: the embodiment of the invention provides an accounting scheme, which comprises the following steps: acquiring mechanism account checking information and account splitting information; performing accounting splitting processing on the mechanism reconciliation information according to the accounting splitting information to obtain a plurality of accounting splitting results; and sending the account splitting result to the target clearing account. The embodiment of the invention utilizes the accounting splitting information to carry out accounting splitting processing on the mechanism reconciliation information, improves the accuracy of the accounting splitting and reduces the risk of repeated splitting or wrong splitting.

Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.

In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.

Fig. 1 is a flowchart of an accounting method according to an embodiment of the present invention;

fig. 2 is a block diagram of a structure of a billing apparatus according to an embodiment of the present invention;

fig. 3 is a block diagram of another accounting apparatus according to an embodiment of the present invention;

fig. 4 is a block diagram of another accounting apparatus according to an embodiment of the present invention;

fig. 5 is a block diagram of another accounting apparatus according to an embodiment of the present invention;

fig. 6 is a block diagram of a structure of an accounting module according to an embodiment of the present invention;

fig. 7 is a block diagram of an electronic device according to an embodiment of the present invention;

fig. 8 is a schematic diagram illustrating an implementation step of an accounting method according to an embodiment of the present invention.

Detailed Description

To make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is apparent that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

According to the accounting method and device provided by the embodiment of the invention, intelligent accounting can be performed on account files based on business configuration and outside, the flexibility of accounting splitting is effectively improved, and the accounting correctness between mechanisms is guaranteed.

For the convenience of understanding the embodiment, a detailed description will be given to an accounting method disclosed in the embodiment of the present invention.

The embodiment of the invention provides an accounting method, which is shown in a flow chart of the accounting method shown in figure 1 and comprises the following steps:

and step S102, acquiring institution account checking information and account splitting information.

In the embodiment of the invention, the institution reconciliation information can comprise reconciliation files of a plurality of institutions, and the reconciliation files comprise transaction data to be split and fund clearing data. The accounting splitting information can be used for determining how to split the mechanism reconciliation information, and comprises accounting splitting rule data and requirement data.

It should be noted that the embodiment of the present invention can be applied to banks, and the banks and the institutions have a transaction and fund clearing butt-joint relationship.

And step S104, performing accounting splitting processing on the mechanism reconciliation information according to the accounting splitting information to obtain a plurality of accounting splitting results.

In the embodiment of the invention, the mechanism account checking information is subjected to account splitting according to the business splitting rule data and the requirement data determined by the account splitting information, and each account splitting result can correspond to one business module of a bank.

And step S106, sending the account splitting result to the target clearing account.

In an embodiment of the present invention, the target clearing account is an account predetermined to store accounting data of a certain business module. And sending the account splitting result to a target clearing account corresponding to the account splitting result.

The embodiment of the invention provides an accounting scheme, which comprises the following steps: acquiring mechanism account checking information and account splitting information; performing accounting splitting processing on the mechanism reconciliation information according to the accounting splitting information to obtain a plurality of accounting splitting results; and sending the account splitting result to the target clearing account. The embodiment of the invention utilizes the accounting splitting information to carry out accounting splitting processing on the mechanism reconciliation information, improves the accuracy of the accounting splitting and reduces the risk of repeated splitting or wrong splitting.

In one embodiment, before sending the accounting split result to the target clearing account, the following steps may be further performed:

acquiring clearing account information of a plurality of business departments; the clearing account information is determined according to the service content of the service department; and determining a target clearing account of each account splitting result according to the account splitting information.

In the embodiment of the invention, the method can sort and sort according to the business content of each business department in the bank, apply for a special clearing account for each business department in the bank in advance, and acquire the pre-established clearing account information of each business department when executing the scheme. According to the accounting splitting information, how to classify the mechanism reconciliation information can be determined to obtain an accounting splitting result, and the corresponding relation between the accounting splitting result and the target clearing account can be determined according to the accounting splitting information.

In one embodiment, before acquiring the mechanism reconciliation information and the accounting split information, the following steps may be further performed:

the accounting split information is reconfigured.

In the embodiment of the invention, the account splitting information can be deleted, supplemented or modified, so that the splitting rule can be flexibly adjusted.

In one embodiment, the accounting splitting processing is performed on the mechanism reconciliation information according to the accounting splitting information, and the following steps are performed:

generating label data of each transaction data in the institution reconciliation information one by one according to the accounting split information; determining the branch account amount of the mechanism account checking information according to the tag data; and generating an account splitting result according to the split amount.

In the embodiment of the invention, the institution reconciliation information can comprise a plurality of transaction data, and each transaction data is marked and classified to obtain the label data. After marking is completed, the account splitting amount in each splitting result can be determined, for example, the account splitting amount can include a difference between the account to be paid out and the account to be paid in, then, the account splitting amount is checked, the accuracy of the account splitting result is ensured, and the verified account splitting amount is used as the account splitting result.

In addition to performing accounting split processing based on accounting split information, in one embodiment, the method may further perform the following steps in consideration of different characteristics of different external organizations:

generating an institution number of the clearing account information; and receiving the financial splitting result sent by the mechanism according to the mechanism number.

In the embodiment of the invention, different business modules apply for different organization numbers in external organizations, and each business module has a self clearing account, so that different organization numbers of clearing account information can be obtained in a bank. And the external mechanism conducts transaction and fund docking according to the dimension of the mechanism number, namely, the external mechanism conducts account splitting, and the bank interior conducts the account splitting result sent by the mechanism number receiving mechanism.

The following describes the implementation of the method in a specific embodiment. Referring to the implementation steps of the billing method shown in fig. 8, the method can be implemented as follows.

1) The intelligent account distribution system loads an account splitting rule and an external mechanism account checking file;

2) the intelligent account-checking system marks and classifies the transaction detail in the account-checking file one by one according to the splitting rule;

3) after marking of the intelligent accounting system is completed, counting bank due and due fund rolling difference values according to the transaction direction;

4) the intelligent accounting system checks the consistency of the bank account rolling difference value between the bank account and the bank account actually going out and going in;

5) after the intelligent account distribution system checks the consistency, counting the actual amount of money to be input and output of each subdivision business module according to marking classification, namely performing account distribution statistics;

6) the intelligent account-separating system checks whether the total value of the account-separating statistic sum is consistent with the total sum;

7) after the intelligent account distribution system checks the consistency, intelligent account distribution is carried out;

8) the intelligent account-separating system generates an account-separating report form which comprises a total amount, an account-separating processing state and the like for checking different business lines.

The invention provides an accounting method and a device, the method combs the classification of business modules according to the in-line operation mode and applies for the special internal clearing account of each business module; different business module splitting rules are formulated according to the external account checking file, and flexible adjustment is supported; and splitting different module business funds into different internal clearing accounts according to the splitting rule. The method is used for intelligently checking and separating accounts according to business configuration and external account checking files, and flexibly splitting accounts according to a certain point in a configuration rule set, so that on one hand, the correctness of accounts among institutions is effectively guaranteed, and on the other hand, the account management requirements under different operation modes are met.

The embodiment of the invention also provides an accounting device, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to that of the accounting method, the implementation of the device can refer to the implementation of the accounting method, and repeated parts are not described again. Referring to a block diagram of a structure of an accounting apparatus shown in fig. 2, the apparatus includes:

the acquisition module 21 is configured to acquire institution reconciliation information and accounting splitting information; the accounting module 22 is configured to perform accounting splitting processing on the mechanism reconciliation information according to the accounting splitting information to obtain a plurality of accounting splitting results; and the sending module 23 is configured to send the account splitting result to the target clearing account.

Referring to fig. 3, another structural block diagram of the accounting apparatus is shown, and in one embodiment, the apparatus further includes an account module 24 configured to:

acquiring clearing account information of a plurality of business departments; the clearing account information is determined according to the service content of the service department; and determining a target clearing account of each account splitting result according to the account splitting information.

Referring to the structural block diagram of another accounting apparatus shown in fig. 4, in an embodiment, the apparatus further includes a configuration module 25, configured to: the accounting split information is reconfigured.

Referring to the structural block diagram of the accounting module shown in fig. 6, in an embodiment, the accounting module includes: the tag unit 61 is configured to generate tag data of each transaction data in the institution reconciliation information one by one according to the accounting split information; an amount unit 62 for determining the separate amount of the institution reconciliation information based on the tag data; and the accounting unit 63 is configured to generate an accounting splitting result according to the accounting amount.

Referring to fig. 5, another structural block diagram of the accounting apparatus is shown, and in one embodiment, the apparatus further includes a mechanism module 26 for: generating an institution number of the clearing account information; and receiving the financial splitting result sent by the mechanism according to the mechanism number.

Based on the same inventive concept, the embodiment of the present invention further provides an embodiment of an electronic device for implementing all or part of the content in the above-mentioned billing method. The electronic device specifically comprises the following contents:

a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between related devices; the electronic device may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the electronic device may be implemented with reference to the embodiment for implementing the above-mentioned accounting method and the embodiment for implementing the above-mentioned accounting apparatus, and the contents thereof are incorporated herein, and repeated details are not repeated.

Fig. 7 is a schematic diagram of a system configuration structure of an electronic device according to an embodiment of the present invention. As shown in fig. 7, the electronic device 70 may include a processor 701 and a memory 702; a memory 702 is coupled to the processor 701. Notably, this fig. 7 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one embodiment, the functions implemented by the split method may be integrated into the processor 701. Wherein, the processor 701 may be configured to control as follows:

acquiring mechanism account checking information and account splitting information; performing accounting splitting processing on the mechanism reconciliation information according to the accounting splitting information to obtain a plurality of accounting splitting results; and sending the account splitting result to the target clearing account.

As can be seen from the above, in the electronic device provided in the embodiment of the present invention, the accounting splitting information is used to perform accounting splitting processing on the mechanism reconciliation information, so that the accuracy of accounting splitting is improved, and the risk of repeated splitting or incorrect splitting is reduced.

In another embodiment, the accounting device may be configured separately from the processor 701, for example, the accounting device may be configured as a chip connected to the processor 701, and the accounting method may be implemented by the control of the processor.

As shown in fig. 7, the electronic device 70 may further include: a communication module 703, an input unit 704, an audio processing unit 705, a display 706, and a power supply 707. It is noted that the electronic device 70 does not necessarily include all of the components shown in fig. 7; furthermore, the electronic device 70 may also comprise components not shown in fig. 7, which can be referred to in the prior art.

As shown in fig. 7, the processor 701, which is sometimes referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, and the processor 701 receives input and controls the operation of the various components of the electronic device 70.

The memory 702 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the processor 701 may execute the program stored in the memory 702 to realize information storage or processing, or the like.

The input unit 704 provides input to the processor 701. The input unit 704 is, for example, a key or a touch input device. The power supply 707 is used to supply power to the electronic device 70. The display 706 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.

The memory 702 may be a solid state memory such as Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 702 may also be some other type of device. Memory 702 includes a buffer memory 7021 (sometimes referred to as a buffer). The memory 702 may include an application/function storage portion 7022, the application/function storage portion 7022 being used to store application programs and function programs or procedures for performing operations of the electronic device 70 by the processor 701.

The memory 702 may also include a data store 7023, the data store 7023 being for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by the electronic device. The driver storage portion 7024 of the memory 702 may include various drivers of the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging application, address book application, etc.).

The communication module 703 is a transmitter/receiver that transmits and receives signals via the antenna 708. A communication module (transmitter/receiver) 703 is coupled to the processor 701 to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 703, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 703 is also coupled to a speaker 709 and a microphone 710 via an audio processing unit 705 to provide audio output via the speaker 709 and receive audio input from the microphone 710 to implement general telecommunication functions. The audio processing unit 705 may include any suitable buffers, decoders, amplifiers and so forth. Additionally, an audio processing unit 705 is also coupled to the processor 701 to enable recording of sound locally through a microphone 710 and to enable playing of locally stored sound through a speaker 709.

An embodiment of the present invention further provides a computer-readable storage medium for implementing all the steps in the billing method in the foregoing embodiments, where the computer-readable storage medium stores thereon a computer program, and when the computer program is executed by a processor, the computer program implements all the steps in the billing method in the foregoing embodiments, for example, when the processor executes the computer program, the processor implements the following steps:

acquiring mechanism account checking information and account splitting information; performing accounting splitting processing on the mechanism reconciliation information according to the accounting splitting information to obtain a plurality of accounting splitting results; and sending the account splitting result to the target clearing account.

As can be seen from the above, the computer-readable storage medium provided in the embodiment of the present invention performs the accounting splitting processing on the mechanism reconciliation information by using the accounting splitting information, so as to improve the accuracy of the accounting splitting and reduce the risk of repeated splitting or incorrect splitting.

Although the present invention provides method steps as described in the examples or flowcharts, more or fewer steps may be included based on routine or non-inventive labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or client product executes, it may execute sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the embodiments or methods shown in the figures.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

In this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. The terms "upper", "lower", and the like, indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, and are only for convenience in describing the present invention and simplifying the description, but do not indicate or imply that the referred devices or elements must have a specific orientation, be constructed and operated in a specific orientation, and thus, should not be construed as limiting the present invention.

Unless expressly stated or limited otherwise, the terms "mounted," "connected," and "connected" are intended to be inclusive and mean, for example, that they may be fixedly connected, detachably connected, or integrally connected; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood by those skilled in the art according to specific situations.

It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention is not limited to any single aspect, nor is it limited to any single embodiment, nor is it limited to any combination and/or permutation of these aspects and/or embodiments. Each aspect and/or embodiment of the invention can be used alone or in combination with one or more other aspects and/or embodiments.

Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims (12)

1. An accounting method, comprising:

acquiring mechanism account checking information and account splitting information;

performing accounting splitting processing on the mechanism reconciliation information according to the accounting splitting information to obtain a plurality of accounting splitting results;

and sending the accounting splitting result to a target clearing account.

2. The method of claim 1, wherein before sending the accounting split result to a target clearing account, further comprising:

acquiring clearing account information of a plurality of business departments; the clearing account information is determined according to the service content of the service department;

and determining a target clearing account of each account splitting result according to the account splitting information.

3. The method of claim 1, wherein obtaining the institution reconciliation information and the accounting split information is preceded by:

reconfiguring the accounting split information.

4. The method of claim 1, wherein performing accounting splitting processing on the institution reconciliation information according to the accounting splitting information comprises:

generating label data of each transaction data in the institution reconciliation information one by one according to the accounting splitting information;

determining the branch account amount of the mechanism account checking information according to the tag data;

and generating an account splitting result according to the split amount.

5. The method of claim 2, further comprising:

generating an institution number for the clearing account information;

and receiving the financial splitting result sent by the mechanism number receiving mechanism.

6. An accounting device, comprising:

the acquisition module is used for acquiring the mechanism account checking information and the account splitting information;

the accounting splitting module is used for carrying out accounting splitting processing on the mechanism account checking information according to the accounting splitting information to obtain a plurality of accounting splitting results;

and the sending module is used for sending the accounting splitting result to a target clearing account.

7. The apparatus of claim 6, further comprising an account module to:

acquiring clearing account information of a plurality of business departments; the clearing account information is determined according to the service content of the service department;

and determining a target clearing account of each account splitting result according to the account splitting information.

8. The apparatus of claim 6, further comprising a configuration module to:

reconfiguring the accounting split information.

9. The apparatus of claim 6, wherein the accounting module comprises:

the tag unit is used for generating tag data of each transaction data in the institution reconciliation information one by one according to the accounting split information;

the amount unit is used for determining the branch account amount of the mechanism account checking information according to the label data;

and the accounting unit is used for generating an accounting splitting result according to the accounting amount.

10. The apparatus of claim 7, further comprising a mechanism module to:

generating an institution number for the clearing account information;

and receiving the financial splitting result sent by the mechanism number receiving mechanism.

11. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 5 when executing the computer program.

12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the billing method of any of claims 1 to 5.

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